Hire Final Expense Agents Who Are Ready to Write
Final expense is a year-round product — and the agents who sell it well are in demand year-round. Amerance verifies license, release status, and field or phone experience before you ever see a name. One flat fee when you hire. No upfront cost, no job board noise.
Request final expense agents →Four checks every agent clears before you meet them.
Life license verified
Active life insurance license confirmed through NIPR or the state DOI — not self-reported.
Release checked
Free to contract — no surprise non-competes, no hold periods, no conflicts with a prior IMO or agency.
Field or phone screened
We confirm whether they work field, phone, or both — and whether their setup matches what your agency actually needs.
Human-screened
A real conversation about FE experience, carriers they've worked with, production, and what they're looking for in an agency.
Final expense doesn't have an AEP. Your recruiting pipeline shouldn't either.
Year-round product, year-round pipeline
Unlike Medicare, final expense has no single enrollment window. Agents write it 12 months a year — which means agencies need to staff for it 12 months a year. Amerance keeps an active FE pipeline, not a seasonal one.
Field and phone, not one or the other
Many FE agencies run a mix of door-knockers and phone agents. We screen for both setups and match based on what your agency actually uses — not just whoever's available.
Pair with Medicare for full-desk coverage
Many agents who write final expense also hold a health license and can write Medicare Advantage or Medicare Supplement on the side. We can flag those agents so you get more production per desk.
No one-click résumés
Job boards attract people exploring options. Our pipeline is agents actively looking to contract — and cleared to do so.
Tell us what you need. We send agents who fit.
Tell us the role
States, field vs. phone, IMO or direct, carrier preferences, lead support.
We vet and match
We run all four checks and send you only agents who clear them and fit your criteria.
You interview and decide
No obligation. Talk to whoever looks right and contract them directly.
Pay on hire
One flat fee per placed agent — no retainer, no upfront cost. Backed by our guarantee.
Final expense agent placement — pricing on request.
No retainer. No upfront fee. One flat fee per agent when you hire — and a 30-day replacement guarantee if our vetting missed something. Contact us for pricing.
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Final Expense Agent Recruiting — FAQ
What do you check before placing a final expense agent?
We verify their life insurance license through NIPR, confirm they're free to contract (no non-compete or hold), screen for field vs. telesales experience, and run a real conversation about their production history and what kind of agency they're looking for.
How quickly can you find final expense agents?
Most agencies receive vetted profiles within a few business days. Final expense is one of our most active pipelines — demand is year-round, so we maintain a live pool of candidates rather than starting a cold search each time.
Do your final expense agents work field, phone, or both?
We have agents across all three setups. Tell us which you need and we'll match accordingly — field agents for door-to-door territory, phone agents for a call center setup, or versatile agents who can do either.
Can final expense agents also write Medicare?
Many can. A significant portion of experienced final expense agents also hold a health license and can write Medicare Advantage or Medicare Supplement. If cross-product capability matters to you, tell us and we'll flag agents who qualify for both.
What's the 30-day replacement guarantee?
If an agent we placed doesn't work out within 30 days for a reason tied directly to our vetting — a license status we confirmed that was inaccurate, a release status that was misrepresented — we find a replacement at no additional placement fee.
Need final expense agents ready to write?
Tell us your states, volume, and field vs. phone setup — we'll send vetted agent profiles.
Request final expense agents →